@otto , these are reasonable questions for us all to be asking ourselves.
When the pandemic started, I read up on the 1918 Spanish Flu, and figured covid would be more or less the same: one wave, or two, or three, or four, sweep the globe over a period of a few years, some people die, and those who don't die resume their lives. By the mid-1920s it seemed the world had forgotten the Spanish Flu pandemic and was busy "roaring" and indulging in the myriad excesses that preceded the Great Depression.
But that's not how I see covid anymore. It doesn't look like it will be going away anytime soon, and the longterm effects of the disease, especially cumulative infections as your post made clear, will be increasingly dramatic and traumatic both to individuals and to society as a whole (reduction in functional workforce, increase in the need for longterm care, etc).
So I now think of covid more like a mostly-mild-but-highly-contagious heart attack or stroke: only a few people will be killed or disabled by the initial occurrence, but many people will have lingering or longterm problems afterward, and the accumulation of two, or three, or more heart attacks/strokes/covid illnesses, plus the aftereffects, will quickly become disabling.
In addition, the increasing research showing how each covid infection damages your immune system's ability to fight off OTHER illnesses -- as we are seeing this winter with spikes in RSV, a bad flu season, kids getting tonsillitis at much higher rates than previous, everyone getting "a bad bug but it's not covid", etc.
Here's a theoretical: If each bout with covid damages the immune system for, say, the next six months, during which time a person is at greater risk for other illness (which may of course have their own lingering effects). If people are catching covid every year, that's half of each year they will be operating with a damaged immune system, without even considering whether it gets worse with each round or not. Which it seems very likely to me that it does.
So in the face of that, and keeping in mind that the vaccine doesn't even prevent you from catching it, but it does reduce the severity of illness, unless I was at a high risk for strokes to start with, I would consider it a no-brainer to take the vaccine even with its own attendant risks.
AND for anyone who does opt out of the [presumably ongoing at least for the near term] vaccine boosters, I can't even describe how diligently I would suggest that person be about serious n95 masking and staying out of enclosed spaces with other people.
The Pfizer elevated stroke risk you mention seems to be just for the first few weeks following the vaccination. I do also assume that there may be some other elevated adverse outcomes from the vaccines of any brand, that simply arent't yet known because statistical outcomes sometimes aren't discernable right away.
TLDR I am of the opinion that nearly everyone would be wise to take the risk on the vaccine (one brand or the other, I don't personally think the differences in risk are significant). It's looking like even the most isolated hermits among us are unlikely to be able to avoid covid for more than a few years. Though I plan to do my best to try!
MOO